So after 3 letters and a CCA request to Hoist Finance UK I received this. I think its funny that they are still going to persist in writing letters after admitting that the alleged debt is unenforceable, but hey ho it wastes their time and money!

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I have one like it from PRA. I still get begging letters quite regularly .I always send a letter of rebuttal along with a further copy of letter 3 .

Worth remembering the maxim of law " he who does not deny ,admits ".

I now have about a dozen requests as per the 3 letters . This is purely in case someone in future tries to litigate .I then have evidence that on x amount of occasions i have offered to settle upon proof of claim,and no such proof has been provided.

When you say "after 3 letters" to you mean after the (new 2017) 3 letter template system for DCAs acting on behalf of Debt Purchasers? Or do you mean you used the 3 letter system for Debt Purchasers (assuming Hoist are a debt purchaser)? I'm assuming the latter or maybe both haha!

Also I'm new (even though I have been with GOODF since late 2014 as MrBlue2014) to this idea of also sending a CCA request. May I ask at what point you request this? And do you have a template (if necessary)?

Many thanks!

MrBlue2017.

"Any fight against a corrupt system that is trying to extort money out of you and potentially at the expense of your loved ones, including your children, is worth fighting for!"

I have managed to get rid off Robinson way and wescot before them, now got Drydens Fairfax just sent 3rd letter to them let's hope it the last I here from them. They are chasing A cc card for Santander who where sent an estoppel Feb last year but they keep on trying